time line

[pedsrn85]

I have a question when you are waiting the 3 years to get an FHA loan after a foreclosure what is the magic begining time when you first made notice of it when the bank notifed you of the potential sale or the actual sherrif sale. We are getting such conflicting advice . Any help would be very much appreciated. Also does anyone know when you get the ch 13 discharge which we got a letter saying 60-90 days .Will that help the credit report say foreclosure included in ch 13 bankruptcy. Right now the credit report says foreclosure and lists all kind of lates which is sooooo wrong we were current until we gave the house back . Thanks